Applications / Mortgage Analytics / Lenders / Iowa / Telco Triad Community Credit Union
Sioux City, IA · Credit union · NCUA · $158 million assets · 23 loans in 2025
Telco Triad Community Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
23
loans originated, 2025
30
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Telco Triad Community Credit Union, a Sioux City lender that has reported since 1990, made only 23 loans in 2025, about a third of its total a year earlier.
Its loans fell 66% in 2025, from 67 to 23. Similar lenders (credit unions making between half and twice as many loans) fell 5%, while the whole market grew 10%. Its count has moved a lot before, between 42 and 72 in the years it reported since 2018, but never this low.
In 2024, on 67 loans, its typical loan was $55,000, and it was the same in 2025, against $95,000 at similar lenders. Small loans look like a lasting habit rather than a one-year quirk. The 23 loans of 2025 are too few to read much more into.
Sioux City is its main market. It ranked 58th of 167 lenders there, and its share fell from 0.7% to 0.2% as its loan count dropped. At this size a handful of members choosing to borrow, or not, could explain much of the swing. Central Bank led the market. It filed no report for 2021, a gap in the record rather than a year without lending.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Telco Triad Community Credit Union took 30 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 73.9% · Purchase 21.7% · Other 4.3%
Conventional 100.0% · of 23 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Iowa | 19 | 82.6% |
| Nebraska | 4 | 17.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sioux City | 19 |
| Omaha | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549008TF4FG4ON44F19 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 610995 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563218 | 1990–2016 |
Established 1 January 1945. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Telco Triad Community Credit Union's data.
Telco Triad Community Credit Union's data
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Telco Triad Community Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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